We have been on a roller coaster lately. Times of uncertainty have been upon us and our children are going through something that will forever change their lives. Their education has been transformed overnight. Parents are working harder than ever to keep up with working and schooling, whilst also planning for the future.

There isn’t just one way to educate

Education happens in so many ways. Over these last few months, I’ve come to not only appreciate my children’s educators even more, but I’ve also learned that education comes in so many forms. Playing outdoors, making kitchen science experiments, and even planting a garden are incredible ways of learning. My 7-year-old even took part in an online coding camp!

Education doesn’t stop at school

We all now know this (whether we wanted to or not!). Our children are always learning, always listening, and always growing. Literally every single part of their days are spent learning about the world around them. And it’s our job to help nurture the process of education.

Invest in your child’s future with Ohio’s 529 Plan

As an adult with a decent amount of student loan debt, I can attest to the fact that the cost of higher education can be daunting. Regardless of your child’s age, opening an account with Ohio’s 529 Plan right now is the perfect way to invest in their future education.

Ohio’s 529 Plan can be used across the country at both 2- and 4-year programs and technical schools. Using the College Saving Planner you can see how an investment of any amount today can truly help cover the cost of schooling later!

Your child doesn’t need to know what they want to be today. My son still says he wants to be a YouTuber. But tomorrow he may say he wants to be a video game engineer. And, heck! He’ll probably at some point say he wants to be an electrician. The point is, any financial investment in Ohio’s 529 Plan today will help him to be whatever his heart desires. He can use the funds for a 4-year school as an engineer, or he can use the funds towards a technical school to be an electrician.

You only need a few items to start the process of opening Ohio’s 529 Plan and you do not need to be a resident of the state of Ohio! In fact, if you are an out-of-state grandparent or relative of a child and would like to give the gift of education, this is a great way to start. You can open and contribute to the plan for the beneficiary of your choosing.

What better time to make an investment in Ohio’s 529 Plan than on May 29th?!

May 29th, or “529 Day,” is a day to highlight the importance of higher education. Ohio’s 529 Plan has partnered with BlackRock Investments to host a webinar (which you can find here) to provide helpful tips on how to save and prepare for the future during a volatile market. The webinar is completely free and will provide you with all the tips to help you invest in your children’s future with confidence!

The benefits of investing in Ohio’s 529 Plan

Investing in Ohio’s 529 Plan means you’re accruing tax-free compound interest towards your future education expenses. You’ll also receive a tax deduction of up to $4,000 per year for each beneficiary. You can use this tool to see the real Cost of Waiting to see just how much your money can grow by investing in an Ohio’s 529 Plan versus a low-interest savings account.

But what about market turbulance?

Ohio’s 529 Plan has teamed up with BlackRock to discuss this very thing during a live webinar on May 28th. You can register for this webinar at no charge here.

Check out my video for information on how to get started!

Tell me — how many of you could use $250 to start your Ohio 529 Plan?!

When it came time for a Mother’s Day celebration I had ONE request — cherry pie! It turns out that bakeries are hard to come by when you’re in lockdown. We couldn’t find one anywhere! And I had very few items on-hand.

But I did have cinnamon rolls! Queue the cherry pie baking!

I remembered seeing somewhere that someone had made pies using a can of cinnamon rolls. I thought, sure, why not? It’s basically combining two of my favorite foods — pie and cinnamon rolls. What a delicious combination, right?!

Cinnamon rolls are just something we always have on hand with three kids under 7. They are our special ‘weekend breakfast’ treat. It’s easier than going out for donuts, and all three kids gobble them up! And these were no exception!

With all of the bakeries running a minimal staff this weekend, I figured this is another great opportunity to try this recipe! I tried ordering an apple pie from my favorite local bakery, but they were sold out of pre-orders. So Cherry Pie Cinnamon Roll Bites it is!

Yesterday was THE day — Mother’s Day! And I’m sure most of us were hoping for a nice, relaxing, day… but didn’t get it! Because, well, life with kids AND stay-at-home orders can be tricky!

Having three kids ranging in age from one to 7, I knew not to expect a relaxing day. Instead, I prepped our breakfast for Sunday morning on Saturday. That way I was in charge of cleanup and be rest assured at no-mess and no-fuss Sunday morning.

I don’t usually eat breakfast because of my intermittent fasting schedule, but Mother’s Day is a special occasion. Also, Overnight Baked French Toast is a great excuse to eat breakfast! I picked up a loaf of our favorite bread from The Blue Door Cafe and Bakery just up the street. The owner and pastry chefs make all of their artisan breads daily and it is well worth a special trip! Any bread will do, but I would definitely suggest fresh bread if possible.

If you haven’t had or made overnight French toast, you may be wondering what makes it so different. Well, it’s basically like a cross between traditional French toast and a sweet quiche! It’s incredible. My kids, of course, drenched their in syrup, but I actually preferred it without syrup! It’s sweet enough on its own, thanks to the vanilla and brown sugar.

What kind of breakfast recipes are your favorite?

This post is sponsored by Optum Perks but the content and opinions expressed here are my own.

It’s hard to believe that I have been “laid off” from my job for going on 7 weeks now. The job that, over the years, became my happy place — has been missing from my life for nearly two months. As things have changed rather dramatically for all of us, I’m finding new and inventive ways to pinch pennies.

Saving Money on Essentials Can Be Easy

I made a lot of changes in these last 7 weeks. Surprisingly, most of them were incredibly easy! Here’s what my family is doing to cut down on our every day expenses.

Shop at discount grocery retailers.

Going to the grocery store is unavoidable. For my family, we are making far fewer trips than before — but we’ve also made the decision to use grocers that offer off-brand or discounted groceries like ALDI and Save-a-Lot. We still are getting the same quality fresh foods, produce, and non-perishables, but we’re doing so at a much lower cost.

Cancelling Unnecessary Subscriptions.

There was a time when we had a cable TV subscription, Netflix, Hulu, and Amazon Prime. Honestly, we’ve never had that much time to watch TV. So we have trimmed up our TV subscription services by cancelling our live-television services and picking one of the online streaming services.

Using Optum Perks to Save on Prescription Refills.

Prescriptions are another ‘unavoidable’ cost, but there are brilliant ways of saving cash when it comes time to fill or refill! Savings reach up to 80% with no membership and no fees!+

Prescriptions saving is easy. You just search, find, and save without ever having to enter personal information or data in. Optum Perks can be used at over 64,000 pharmacies nationwide, including Walmart, Walgreens, and CVS. Once you find the prescription and pricing, you can decide if you’d like the free coupon to be delivered by text, email, or by printing it out.

These prescription coupons can be presented to your pharmacist whichever way is convenient for you. So whether you’re using the drive-thru or picking it up in-store, your pharmacy coupon will be honored. Truly. That’s it.

I’ve been really open about my struggles with mental health, particularly since having children. As many know, I’ve relied mostly on my Lexapro prescription for the last 5 years. Usually my refills cost upwards of $20. By using Optum Perks I’ve been able to fill it at the rate of $9.00! That’s an eleven dollar savings! While it may not seem like a lot, with a family of 5, every bit helps.

You can see for yourself by heading to Optum Perks today and finding out just how much you can be saving on the prescriptions you need for the whole family.

Putting Memberships on Hold.

If you look at the number of items that are auto-deducted from your account each month, what would you see? For me, it’s our family gym membership, zoo membership, and my auto-renew of my coffee card. While these memberships are handy and even affordable in times of employment, they can be detrimental to savings when going through financial hardship.

Most memberships will allow a ‘hold’ or ‘break’ for anywhere from one to 6-months. And it’s usually as simple as giving them a call or shooting their customer service team an email.

These Adjustments Do Not Have To Be Permanent

If there’s one thing that I’ve learned in these last couple of months it’s that I am capable of much more than I previously thought I was. I’m the same girl who would grab coffee from Starbucks before work almost every day. But I don’t have to be. In fact, I’m amazed at how these small changes I’ve made in our spending have had such a tremendous impact on not only our pocketbooks, but our overall psychological well-being.

But knowing that at least some of what I’m doing right now is just temporary certainly helps. I may not stay away from my beloved coffee forever, but I can tell you that I will never go back to paying full-price for my prescriptions.

+Prices are subject to change over time

Tell me — what will you do with all of the money you save using Optum Perks?

Sleep is essential for living a healthy life. Tossing and turning nonstop can lead to a variety of adverse health effects, such as an increased risk of heart disease, diabetes, and high blood pressure, among others. Sleeping disorders, such as insomnia and sleep apnea, along with lifestyles that limit the amount of sleep you get per night, can cause you to feel groggy and irritable. Luckily, food might be your answer to catching some shuteye and sleeping peacefully at night. If you’re suffering from sleep deprivation, try one of these five foods below to help you get the rest your body deserves.

Chocolate

What else is there to say? It’s sweet, delicious, and the best pick-me-up after a long day. While dark chocolate does contain caffeine, it also contains serotonin. Serotonin is the neurotransmitter that’s responsible for helping you feel more relaxed and tired. If you’re counting sheep at night, try eating a chocolate sleep aid. Just make sure it’s dark chocolate and not milk chocolate! Milk chocolate doesn’t contain serotonin and can actually make you feel more awake.

Furthermore, dark chocolate has many attractive health benefits that make this the perfect treat to eat day and night. It is high in antioxidants, which aid in cognition and memory formation, and also help reduce the risk of heart disease! So eat the chocolate!

Chamomile

Herbal teas, such as chamomile, is a great drink to sip on before bedtime. Chamomile tea is proven to improve sleep quality. It contains apigenin, an antioxidant that is responsible for making you feel tired and can reduce insomnia. This study even found that those who drank chamomile tea before bedtime fell asleep 15 minutes faster than those who did not drink chamomile tea and reported fewer instances of waking up during the night.

Along with the ability to whisk you away and into a solemn slumber, chamomile offers many additional benefits, such as:

● Reduces symptoms of depression;

● Improves skin health;

● Boosts the immune system;

● and Reduces inflammation that leads to diseases like cancer and heart disease!

Turkey

The fourth Thursday in November is one of the best days of the year. Why? Because it’s Thanksgiving! This means endless mounds of food, desserts, drinks, and conversations with friends, family, and loved ones. As you may know, turkey is often the centerpiece of every Thanksgiving Day meal, which means you’ve probably experienced the after-effects of eating turkey.

Have you ever realized how tired you were after indulging in your Thanksgiving meal? Filled tummies with turkey, mashed potatoes, gravy, and green beans? That’s because turkey contains an amino acid called tryptophan, which causes the sleep-regulating hormone melatonin to increase in production. This increase in melatonin will make you feel more tired and will reduce the chances of you waking up in the middle of the night. So, before bed, try making turkey sandwiches or a turkey loaf for dinner!

Kiwi

One of nature’s greatest candies are kiwis. Kiwis are a delicious and nutritious fruit that are packed with healthy vitamins like vitamin C and vitamin K. Additionally, they’re a great food to have if you’re having trouble sleeping! Packed with serotonin (just like dark chocolate) they help regulate your sleep cycle. Kiwis are also full of antioxidants, such as carotenoids and Vitamin C, which help reduce inflammation and promote sleep.

Along with these sleep-aiding benefits, kiwis also:

● Improves digestion

● Lowers cholesterol

● Reduces inflammation

● Fights heart disease

● Clears out toxins

● Lowers blood pressure

Nuts

Tree nuts, such as walnuts and almonds, are also great foods to eat before bed to get some shuteye. Walnuts, in particular, are filled with the sleep-regulating hormone melatonin. Additionally, walnuts house healthy fats such as omega-3 fatty acids that convert to DHA, which aids in the production of the sleep-enhancing chemical serotonin. Along with that, walnuts provide over 19 vitamins and minerals, making them an extremely healthy nut to snack on.

Almonds, like walnuts, can also help you sleep at night. Almonds, too, are filled with melatonin, which will turn your brain’s lights off to help you drift away to dreamland, and provide 19 percent of your daily needs of magnesium, which is thought to improve sleep quality and reduce insomnia.

Time for bed

If you’re struggling to sleep at night, try eating one of these five foods. However, if insomnia or other sleep disorders are keeping you up at night, it’s always recommended to see a doctor or specialist who can provide professional treatment.

Oh, hi! Just Martha freaking Stewart over here! I have some other content in the works, but I’ve honestly been cooking and creating recipes nonstop. It’s hard not to share such delicious (and easy!) recipes.

I created this recipe for the big kids. We’ve been eating so much pizza — from frozen to takeout — and I’m kind of over it. Knowing that they LOVE pizza, I decided to basically make “pizza pasta.” And, oh my gosh!, it was a huge hit.

My 4-year-old, Remy, was super excited about this meal because I let her help. Thankfully, it’s basically a dump-and-start meal, so it was easy to get her involved in the process. Plus, when she helps, it encourages her to eat something new and different. She’s so picky about food lately so I’m desperate for anything I can get.

Anyways, I hope you enjoy this recipe. It’s SO not healthy! Ha! But it is incredible. It’s hearty, it’s fulfilling, and it’s just super yummy

Yield: 8

Instant Pot Dump and Go Creamy Ziti

Prep Time8 minutes

Cook Time12 minutes

Total Time20 minutes

Ingredients

3 cups of chicken broth

2 cups of heavy whipping cream

2 tsp of garlic powder

a pinch of salt

16 ounces of ziti

2 cups of pasta sauce

1.5 cups of shredded Parmesan cheese

1.5 cups of mozzarella cheese

Instructions

Dump all of the ingredients (minus the pasta sauce and cheese) into the Instant Pot. Make sure pasta is covered with liquid!